Credit Analyst

1 month ago

Manchester, United Kingdom eFinancialCareers Full time

The role sits in the UKKI team and entails ownership of the Credit Manual (UK credit instructions), ensuring that UK policy andinstructions uphold the Group’s credit policy as well as external EU and UK regulations, with credit instructions providing clearprocedures for branches to follow. Responsilibility also involves managing relationships across all 3 lines of defence teams to ensure good understanding of credit risk requirements and being ready to respond to challenge.

**Key Responsibilities**
- Maintenance of UK credit instructions and policy documents ensuring that where they do differ to Group requirements, appropriate communication and agreement to any differences is effectively managed.
- Manage outcomes from breach reports to ensure that lessons are learnt and process changes improve branches’ understanding of instructions.
- Address recommendations issued by Internal Audit, External Audit, Risk Control and Compliance as well as external supervisory bodies.
- Generate suggestions for UKK monitoring tools to enhance ability to support the Regions with portfolio management, including working with UKKI Data Analyst to find ways to automate the identification of credit risk issues.
- Develop approach to forbearance and watchlist strategies and outcomes, in line with EBA guidance, working with UKKI data analyst to develop good statistical analysis for monitoring and reporting purposes of strategies and introduce new guidance for branchesif required.
- Take prime responsibility for regulatory horizon scanning for UKK in order to keep Chief Credit Officer informed and enable UKK to plan to respond to regulatory change and mitigate emerging risks.
- Work with UKKI Credit Analyst with responsibility for projects and change in order to bring challenge relating to keeping current policies in view but also to recommend and support changes to instructions as required.
- Work with UKKI Training and Development officer to support the creation of materials relating to policies and instructions.
- Communication of credit policy and instruction changes to the regional credit departments including in many cases preparation of Blue Messages to notify such events / changes to all branches / regions.
- Handling of general credit queries from regional credit departments and branches

**You must comply with 5 Conduct rules i.e.**
act with integrity
act with due skill, care and diligence
be open and co-operative with the FCA, PRA and other regulators
pay due regard to the interests of customers and treat them fairly
observe proper standards of market conduct.

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